Brian Hayes (Dublin South West, Fine Gael) | Oireachtas source

The Deputy's question as to whether there is an issue we have not captured is valid. My initial point was that section 16(b) is consequential on sections 14 and 15. One must read the latter two together to get a sense of the information that the applicant must actually give to the institution. I will not state it on the record again. I am convinced by the arguments I have heard that, within sections 14 and 15, the eventualities in question are properly addressed. Section 16(b) is really about the evaluation of risk arising from the information provided for under sections 14 and 15. Therefore, section 16(b) is really the all-important one in terms of making the evaluation on the risk that exists. It is our view that the eventualities outlined by the Deputy are addressed in sections 14 and 15, which precede section 16(b). This will allow us the robust approach that I believe I mentioned at the start.

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